You should have  a lot of options if it's a building that's been updated etc.Farmers itself does some weird things with their deductibles and they're very specific what they want right now.Let me know if I can help.

multiple purchase options: MLS, off market, auctions, FSBO, short sales, etc.  

NACA another OO option.  

Loan assumption isn't an option here.

And I'd have to spend $10,000 to $20,000 I imagine to buy furniture, kitchenware, beds, dressers, etc.  

Some of the more eco-friendly options can put out significantly less...

I'm currently weighing my options between using cash from my HELOC or getting a private money loan for the purchase and rehab of a property.

My options are:Sell: Maximize down payment in NC, reduce debt.HELOC+Rent: Keep NJ property as an investment, rent for potential $3,300/month.I'm interested in long-term wealth building.

Here are the details:Assumable loan balance: $750k at 2.75%List price: $950kDownpayment needed: $200k to cover the differenceMy initial plan to make this deal work included a few options:Getting a loan for the $200k difference.Bringing in a partner.Asking for seller financing.However, when I discussed these options with my agent, I hit a few roadblocks:Second Mortgage: My agent said no bank would provide a second position loan for the $200k.Seller Financing: He mentioned that 99% of sellers would reject this, though we're asking anyway.Agent's Advice: He suggested I just get a conventional loan and put 5% down for the full $950k, but I feel this defeats the purpose of leveraging the assumable loan.Given these challenges, I’m trying to figure out the best way to raise the $200k.

I haven't had any consumer debt since 2011 and have been job optional for years.